Buy To Let Mortgage Advice

Buying your first rental property, expanding your portfolio or remortgaging an existing buy-to-let? Compare mortgage options from 50+ lenders with expert advice tailored to your investment.

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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

buy to let mortgage advisers

Why choose us

Focus on the excitement of investing in property and let us handle the buy to let mortgage search, application, and everything in between.

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Save Time

Don’t waste your valuable time researching mortgage rates and completing lengthy application forms. We’ll take care of it for you.

Save Money

Save money on your mortgage with better rates and lower application fees, it could mean big savings on your monthly payments.

Get Exclusive Rates

Your mortgage adviser has access to 1000’s of mortgage rates and exclusive offers that that may not be available to you directly.

How it works

Getting expert financial advice shouldn't be complicated. From your first conversation to finding the right solution, we'll guide you every step of the way.

STEP 1

Book a callback

Choose a convenient time to speak with an adviser. We're available 7 days a week, from 8am to 8pm.

STEP 2

Lets talk

Tell us what you'd like to achieve. We'll understand your circumstances and explain the options available to you.

STEP 3

We'll guide you

Your adviser will recommend suitable solutions, handle the paperwork and support you through the process.

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BUY TO LET MORTGAGE ESSENTIALS

What do you need for a buy to let mortgage?

Whether you're buying your first rental property or expanding your portfolio, here's what lenders consider when assessing a buy to let mortgage application.

Your deposit

Most buy-to-let mortgages require a deposit of at least 20–25% of the property's value. A larger deposit could give you access to more lenders and competitive mortgage rates.

Rental income

Lenders assess the property's expected rental income to check whether it sufficiently covers the mortgage interest payments. Requirements vary between lenders.

Mortgage affordability

Your expected rental income, personal finances and existing property commitments can affect how much you're able to borrow for a buy-to-let investment.

Limited company mortgages

Buying through a limited company may offer different tax considerations and mortgage options. Specialist lenders provide buy to let mortgages for eligible companies.

Can you get a buy to let mortgage?

Getting a buy-to-let mortgage isn't always straightforward. Whether you're a first-time landlord, self-employed or buying through a limited company, our advisers can help you understand lender requirements and explore your mortgage options.

Yes, some lenders offer buy-to-let mortgages to first-time landlords, although eligibility criteria can be stricter. Lenders may consider your income, deposit, credit history and the property's expected rental income. If you don't already own a home, your choice of lenders may be more limited. A mortgage adviser can help identify suitable options.

Yes, self-employed applicants can qualify for buy-to-let mortgages. Lenders may assess your expected rental income alongside your personal earnings, business accounts or tax calculations. Requirements vary, and some lenders place greater emphasis on rental income than others. Our advisers can help you understand which lenders may suit your circumstances.

Yes, specialist lenders offer buy-to-let mortgages to eligible limited companies, often set up specifically for property investment. Lenders typically assess rental income, the company's structure and the directors' circumstances. Personal guarantees may also be required. Limited company ownership has different tax implications, so it's important to seek independent tax advice before deciding how to purchase.

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Buy To Let mortgage FAQs

A buy-to-let mortgage is designed for people purchasing a property to rent out rather than live in themselves. Unlike residential mortgages, lenders typically assess affordability based primarily on the property's expected rental income.

Buy-to-let mortgages are available on both repayment and interest-only terms, with different deposit and eligibility requirements. They can be suitable for first-time landlords and experienced property investors.

Most buy-to-let mortgage lenders require a deposit of at least 20–25% of the property's purchase price, although requirements vary. For example, a 25% deposit on a £200,000 rental property would be £50,000. A larger deposit may provide access to more competitive mortgage rates and a wider choice of lenders.

Your eligibility will also depend on rental income, affordability and your financial circumstances.

Buy-to-let mortgage costs can include arrangement fees, valuation fees, legal costs and any applicable broker fees. Landlords should also budget for Stamp Duty Land Tax, property maintenance, insurance, letting agent fees and periods without tenants.

Some mortgage products have higher arrangement fees in exchange for lower interest rates, so comparing the total cost of borrowing is important when choosing a buy-to-let mortgage.

Yes, interest-only mortgages are common for buy-to-let properties. Your monthly payments cover the mortgage interest rather than reducing the amount borrowed, which can help manage monthly cash flow.

However, the original mortgage balance remains outstanding and must be repaid at the end of the term, often through selling the property or another suitable repayment strategy. Eligibility depends on the lender's criteria and expected rental income.

A buy-to-let mortgage stress test checks whether the property's expected rental income can cover mortgage interest payments at a rate specified by the lender.

Many lenders require rental income to cover approximately 125%–145% of the calculated interest payments, although requirements vary depending on tax status, mortgage type and lender criteria. This assessment helps determine how much you may be able to borrow against a rental property.

Yes, you can remortgage an existing buy-to-let property to switch lenders, review your interest rate or potentially release equity. Lenders will usually assess the property's current value, outstanding mortgage balance and rental income.

If your existing mortgage deal hasn't ended, early repayment charges may apply. A buy-to-let mortgage adviser can compare available remortgage options and help you understand the costs and benefits of switching.